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Axis Bank

Axis Bank Reserve

VisaUltra-PremiumPoints
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Annual Fee

₹50,000

Reward Type

Points

Forex

1.5%

Lounge

∞ dom · 999 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹50,000
Annual Fee₹50,000
Min Monthly Income₹5,00,000

Rewards

Reward TypePoints
Base Rate1.5%
Point Value₹1/point

Category Multipliers

travel edge15%international3%

Redemption Values

flights₹1/pt
hotel transfer₹0.8/pt
statement credit₹0.25/pt

Travel & Global

Forex Markup1.5%
Domestic LoungeUnlimited ✓
Intl. Lounge999 visits/yr
Lounge NetworkPriority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Axis Bank Burgundy Private (100%) →IDFC FIRST Private (100%) →ICICI Sapphiro Revolution (100%) →Axis Magnus (99%) →ICICI Emeralde Private (99%) →

⚖️ Breakeven Analysis

To recover the ₹50,000 annual fee at the base reward rate of 1.5%, you need to spend ₹33,33,334 annually.

🎯 Pro Tips

  • ▸Use Travel EDGE portal for up to 15X reward points on flights and hotels
  • ▸Best forex markup at 1.5% among premium cards — ideal for international spenders
  • ▸BookMyShow B1G1 offer: 5 movie tickets + 5 event tickets per month

📊 Spending Scenarios - Real-World Returns

Ultra High Spender (₹3L/mo)

Monthly: ₹3,00,000 · Annual: ₹36,00,000

3.33%
Effective Return
travel: ₹1,00,000/mointernational: ₹80,000/modining: ₹50,000/moother: ₹70,000/mo
Annual Rewards Value₹1,20,000
After Fee (₹50,000)+₹70,000

Assumes 40% via Travel EDGE at 15X, 30% international at 3X.

🔄 Redemption Pathways - Value per Point

MethodValue
Travel EDGE PortalBEST₹1.0/pt
Partner Airlines Transfer5:4 ratio

🏷️ Best For

premiumtravelinternationallifestyle